B+
Bull case
30%
Probability
Target price
$205.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
NIC
Nicolet BanksharesBNYSE / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print supports a constructive rerating case: core earnings rebounded, NIM expanded, credit quality remained strong, capital returns continued, and management expects further benefits from conversion and cost savings. The $191.80 median analyst target implies approximately 13.5% upside to the $168.91 anchor, though the target count is unavailable.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.9.
What can break
Analyst revision and target-change data are unavailable, limiting confirmation of the post-earnings market view.
Momentum
67
Value
48
Sentiment
68
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $185.00 · Bull $205.00 · Bear $145.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $191.80
Why
Momentum67 · Δ7d -3.2
Value48 · Δ7d -4.6
Sentiment68 · Δ7d +1.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +1.9.
Contradictions & invalidation
- • Analyst revision and target-change data are unavailable, limiting confirmation of the post-earnings market view.
- • Credit quality, loan growth, or core-deposit momentum could weaken as the balance sheet scales.
- • The positive quarter remains partly merger-driven and includes non-core accounting effects.
Catalyst clock
2026-07-31
Strong Q2 earnings and margin expansion
Lead driver: Sentiment · See AI snapshot
Momentum
67
9% active weight
Current posture
7d trendSoftening
Δ7d
-3.2
Δ21d
-8.1
Value
48
28% active weight
Current posture
7d trendSoftening
Δ7d
-4.6
Δ21d
-0.1
Sentiment
68
62% active weight
Current posture
7d trendImproving
Δ7d
+1.9
Δ21d
+5.5
Why this grade
Composite grade B. Momentum 66.8 / Value 47.8 / Sentiment 68.0
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$185.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$145.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$3.73B
Beta
0.78
Shares Out
20.96M
P/E (TTM)
13.3
P/S (TTM)
4.83
P/FCF (TTM)
13.56
Rev YoY
+71.5%
EPS YoY
+12.1%
Gross Margin
-
Op Margin
+34.4%
Net Debt
$32.03M
Current Ratio
0.11
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data